I am writing you today because I feel like I am drowning. I woke up at 5 this morning in tears because of it. I am sure a lot of people who write you say the same thing. I am a divorced mother of two and I make about $36,000 a year as an administrative assistant.
I got myself in way over my head with credit cards. I have four of them totaling just about $20,000. With the rest of my bills – rent, insurance, car payment, etc I have no money (literally) left over for things like groceries and gas. That is what got me into trouble in the credit cards anyway – I would put groceries and such on them.
Now I am making $600 a month payments just in credit card bills. I am beyond scared and don’t know what I should do. I unfortunately can’t get a second job, due to my kid’s schedule between the back and forth with their dad. And if bankruptcy is the only way out, how do I even afford to pay for that? I just want to be able to breathe again and not let this overtake my life. What do you feel is the best option. I appreciate any help you can give.
Thank you for your time,
If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.I Feel Like I'm Drowning in My Debt. I Can't Breathe and I'm in Tears. - Erika by Steve Rhode